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Shriram General Insurance vs Tata AIG General Insurance: IRDAI Data Comparison

General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison

MetricShriram General InsuranceTata AIG General InsurancePeriod
motor od incurred claims ratio98.4 %89.0 %Q1 FY26-27
marine cargo combined ratio208.4 %147.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)660339 count531281 countQ1 FY26-27
investment income ratio1.7 %2.0 %Q1 FY26-27
health combined ratio96.6 %101.0 %Q1 FY26-27
personal accident combined ratio41.6 %83.0 %Q1 FY26-27
gross written premium(size)1180 ₹ crore17703 ₹ croreQ1 FY26-27 / FY25-03
workmen's compensation incurred claims ratio38.6 %50.0 %Q1 FY26-27
book value per share(size)114.19 ₹67.70 ₹Q1 FY26-27
fire combined ratio150.7 %79.0 %Q1 FY26-27
net worth growth rate(size)7.3 %3.0 %Q1 FY26-27
motor TP segment premium(size)78711 ₹ lakh131029 ₹ lakhQ1 FY26-27
personal accident segment premium(size)4253 ₹ lakh6838 ₹ lakhQ1 FY26-27
debentures & bonds(size)319808 INR_lakhs709686 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)22.9 %34.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)46028 ₹ lakh43612 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)5.2 %5.0 %Q1 FY26-27
fire segment premium(size)1969 ₹ lakh76072 ₹ lakhQ1 FY26-27
Brokers policies(size)313126 count1680361 countQ1 FY26-27
other segment premium(size)1141 ₹ lakh20479 ₹ lakhQ1 FY26-27
engineering incurred claims ratio148.8 %173.0 %Q1 FY26-27
net retention ratio(size)84.0 %59.0 %Q1 FY26-27
solvency ratio3.02 ×1.84 ×Q1 FY26-27
combined ratio104.7 %111.0 %Q1 FY26-27
available solvency margin(size)271557 ₹ lakh651816 ₹ lakhQ1 FY26-27
engineering combined ratio233.1 %171.0 %Q1 FY26-27
motor OD segment premium(size)29251 ₹ lakh123579 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh588 ₹ lakhQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
central govt. securities(size)25.6 %22.0 %Q1 FY26-27
motor tp incurred claims ratio58.7 %59.0 %Q1 FY26-27
expense ratio to gross premium33.7 %32.0 %Q1 FY26-27
crop combined ratio0.0 %-570.0 %Q1 FY26-27
underwriting balance ratio-6.1 %-0.2 %Q1 FY26-27
other investments(size)1078 INR_lakhs238487 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)17 ₹ lakh78 ₹ lakhQ1 FY26-27
net earning ratio12.3 %5.0 %Q1 FY26-27
travel segment premium(size)0 ₹ lakh15212 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio61.7 %86.0 %Q1 FY26-27
travel combined ratio45.9 %99.0 %Q1 FY26-27
personal accident incurred claims ratio15.8 %60.0 %Q1 FY26-27
marine cargo segment premium(size)218 ₹ lakh25413 ₹ lakhQ1 FY26-27
expense ratio37.4 %37.0 %Q1 FY26-27
profit before tax(size)174 ₹ crore261 ₹ croreQ1 FY26-27
gross yield (quarterly)7.26 %2.18 %Q1 FY26-27
health segment premium(size)1266 ₹ lakh184202 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)1251 count33859 countQ1 FY26-27
Brokers premium(size)29449 ₹ lakh350032 ₹ lakhQ1 FY26-27
Individual Agents policies(size)58733 count692010 countQ1 FY26-27
real estate & subsidiaries(size)18266 INR_lakhs37531 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)723601 count716768 countQ1 FY26-27
net commission ratio(size)25.6 %20.0 %Q1 FY26-27
liquid assets to liabilities ratio4.2 %0.2 %Q1 FY26-27
liability incurred claims ratio30.4 %113.0 %Q1 FY26-27
return on net worth4.4 %3.0 %Q1 FY26-27
motor od combined ratio134.8 %138.0 %Q1 FY26-27
engineering segment premium(size)850 ₹ lakh15485 ₹ lakhQ1 FY26-27
govt + approved securities(size)30.3 %40.0 %Q1 FY26-27
fire incurred claims ratio58.6 %60.0 %Q1 FY26-27
housing & infrastructure(size)34.9 %16.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh9368 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)92 ₹ lakh3905 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %-501.0 %Q1 FY26-27
operating profit ratio17.2 %4.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
MISP (Direct) premium(size)623 ₹ lakh9417 ₹ lakhQ1 FY26-27
liability segment premium(size)145 ₹ lakh33611 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)34718 ₹ lakh29694 ₹ lakhQ1 FY26-27
travel incurred claims ratio37.1 %48.0 %Q1 FY26-27
incurred claims ratio68.7 %74.0 %Q1 FY26-27
marine cargo incurred claims ratio100.3 %121.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)13162 count239087 countQ1 FY26-27
Individual Agents premium(size)4860 ₹ lakh117253 ₹ lakhQ1 FY26-27
aviation combined ratio0.0 %32275.0 %Q1 FY26-27
infrastructure & housing(size)502514 INR_lakhs755625 INR_lakhsQ1 FY26-27
motor tp combined ratio98.7 %115.0 %Q1 FY26-27
government securities(size)458529 INR_lakhs1535427 INR_lakhsQ1 FY26-27
net yield (quarterly)5.43 %1.63 %Q1 FY26-27
crop insurance segment premium(size)0 ₹ lakh5 ₹ lakhQ1 FY26-27
health incurred claims ratio94.5 %82.0 %Q1 FY26-27
crop incurred claims ratio0.0 %128.0 %Q1 FY26-27
marine hull incurred claims ratio0.0 %100.0 %Q1 FY26-27
Web Aggregators policies(size)108 count451 countQ1 FY26-27
aviation incurred claims ratio0.0 %32150.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)39.87 ×97.00 ×Q1 FY26-27
required solvency margin(size)89841 ₹ lakh353769 ₹ lakhQ1 FY26-27
liability combined ratio358.1 %68.0 %Q1 FY26-27
profit after tax(size)131 ₹ crore195 ₹ croreQ1 FY26-27
Corporate Agents – Banks premium(size)350 ₹ lakh26151 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)177 ₹ lakh2435 ₹ lakhQ1 FY26-27
equity & preference shares(size)151575 INR_lakhs679771 INR_lakhsQ1 FY26-27
MISP (Direct) policies(size)30316 count208206 countQ1 FY26-27
technical reserves to premium ratio(size)1079.9 %6.0 %Q1 FY26-27
net yield (annualized)5.44 %5.81 %Q4 FY25-26
gross yield (annualized)7.27 %7.80 %Q4 FY25-26
claims repudiation ratio3.53 %2.80 %FY24-25
claim settlement ratio71.8 %80.2 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Shriram General Insurance
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Tata AIG General Insurance
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